Call reports 2010
INDEPENDENT BANK OF TEXAS — 2010
What INDEPENDENT BANK OF TEXAS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 93,761,000 | 94,874,000 | 96,981,000 | 97,525,000 |
| Total loans | 67,763,000 | 69,108,000 | 68,857,000 | 65,630,000 |
| Allowance for loan losses | 775,000 | 741,000 | 770,000 | 746,000 |
| Securities available for sale | 5,983,000 | 5,968,000 | 5,939,000 | 7,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,959,000 | 80,927,000 | 80,028,000 | 80,585,000 |
| Interest-bearing deposits | 60,323,000 | 64,777,000 | 62,123,000 | 60,920,000 |
| Noninterest-bearing deposits | 17,636,000 | 16,150,000 | 17,905,000 | 19,665,000 |
| Equity capital | 8,698,000 | 8,715,000 | 8,507,000 | 8,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,202,000 | 2,407,000 | 3,576,000 | 4,724,000 |
| Interest expense | 386,000 | 770,000 | 1,132,000 | 1,496,000 |
| Net interest income | 816,000 | 1,637,000 | 2,444,000 | 3,228,000 |
| Noninterest income | 82,000 | 182,000 | 201,000 | 494,000 |
| Noninterest expense | 660,000 | 1,577,000 | 2,580,000 | 3,463,000 |
| Provision for loan losses | 144,000 | 188,000 | 209,000 | 439,000 |
| Pretax income | 85,000 | 57,000 | -141,000 | -177,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 7,000 |
| Net income | 83,000 | 52,000 | -148,000 | -184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,665,000 | 8,626,000 | 8,413,000 | 8,331,000 |
| Total capital | 9,440,000 | 9,367,000 | 9,183,000 | 9,077,000 |
| Risk-weighted assets | 69,212,000 | 68,140,000 | 65,469,000 | 65,151,000 |